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Common Insurance Company Tricks & How To Beat Them

Long-term disability coverage should be a part of most peoples’ insurance portfolio, providing peace of mind and protection in the event of a disabling injury, disease, or mental condition.

Unfortunately, long-term disability insurance can only help you if you are able to make a successful claim on your policy and the insurance companies go to great lengths to avoid paying.

At DarrasLaw we have successfully taken on insurance companies around the country on behalf of disabled workers. Without further ado, here are the top tricks the insurance companies will attempt to play, and helpful information for beating them at their own game.

1. They Play The Hand They’ve Been Dealt

The insurance company is always dealt a stronger hand than the individual claimant because they have the resources necessary to obfuscate, frustrate and run-out the clock. In situations where a claimant does not have legal representation, they use the confusing insurance claims process to their advantage. The result is often a disabled person without the benefits they need and an insurance company that has managed to save some money.

2. Deny. Deny. Deny.

Denying the initial claim and calling a person’s disabling condition into question is a standard tactic. In fact, most claims that are eventually successful are initially denied. Having an attorney can make all the difference when it comes to pursuing an appeal for the long-term disability benefits you deserve.

3. They Smile

We’re not trying to say that there aren’t genuinely nice people who work for insurance companies; we know they exist. But what you have to remember is that if they offer you a settlement it is not going to be in your best interest. If you follow the money you will see they place their bottom line above making sure you have the resources you need to make ends meet.

Don’t fall for it. If you have been offered a settlement or your claim has been denied, you need an experienced long-term disability lawyer to make sure you are getting the best possible outcome for you and your family.